Your Bank Verification Number (BVN) is your financial identity in Nigeria, linking all your bank accounts. Forgetting this 11-digit number can halt transactions, but you can retrieve it instantly. This expert guide provides proven methods to check your BVN directly from your mobile phone.
We cover all official channels, including USSD codes, mobile apps, and internet banking. You’ll also learn crucial security tips to protect your BVN from fraudsters. Follow this complete, step-by-step tutorial to access your BVN securely within minutes.
Requirements / What You Need
Before you begin the process to check your BVN, ensure you have the following ready. The requirements are minimal, but having them prepared saves time, especially with unstable network connections common in areas like Lagos or Port Harcourt.
- A Registered Phone Number: This is the mobile number you linked to your bank account during BVN enrollment. The USSD code will only work with this specific line, even if you have transferred it to a new phone.
- Your Mobile Phone: Any basic phone (like an Itel or Tecno) for USSD or a smartphone for using banking apps. If using a cyber café, it’s highly discouraged for security reasons to prevent your BVN from being stolen.
- Bank Account Details: For some methods, you may need your account number. Keep your ATM card nearby as a quick reference.
- Registered Email Address: Needed if you plan to use your bank’s internet banking platform on your phone.
Important Note: Checking your BVN via the official USSD code or your bank’s app is completely free. Do not pay anyone for this service. The only potential cost is the standard ₦20 network charge for the USSD transaction, which is deducted from your phone’s airtime.
Step-by-Step Process
Follow these clear, numbered steps to retrieve your BVN using the most common and reliable methods. The process is straightforward, but network delays or bank server issues—common during peak hours like month-ends—might require a little patience.
Step 1: Use the Universal USSD Code
On the phone number linked to your bank account, dial *565*0# from your dialer. Do not add spaces. You will receive an instant pop-up message on your screen displaying your full 11-digit BVN. This is the fastest method. Watch out for: Ensure you have at least ₦20 airtime credit, as the network charge will be deducted. If it fails, wait a few minutes and try again; Glo, MTN, Airtel, and 9mobile networks all support this code.
Step 2: Use Your Bank’s Specific USSD Code
If the universal code fails, use your bank’s own code. For example, dial *826*5# for Zenith Bank or *901*11# for UBA. This code works even if you only have an account with that specific bank. Watch out for: You must use the phone number registered with that particular bank. The menu might differ slightly; simply follow the on-screen prompts to select “BVN” or “Enquiry.”
Step 3: Use Your Bank’s Mobile App
Open your bank’s app on your smartphone (e.g., GTWorld, AccessMore, FirstMobile). Log in with your username and password. Navigate to the menu, often under “Services,” “Self-Service,” or “Account Settings,” and look for an option like “View BVN” or “BVN Details.” Watch out for: If you can’t find it, use the app’s search function. Also, ensure your app is updated from the Google Play Store or Apple App Store to avoid glitches.
Step 4: Use Internet Banking on Your Phone
Visit your bank’s official website on your mobile browser and log into your internet banking profile. Go to your account dashboard or profile management section. Your BVN is typically displayed alongside your personal details. Watch out for: Be cautious of phishing websites. Always type the bank’s URL directly (e.g., www.gtbank.com) and never click links from emails or SMS to login.
Alternative Methods
If you cannot use your phone or the USSD codes are not working, you have other reliable options to retrieve your BVN. These methods are useful if you’ve lost access to your registered phone number or need official documentation.
Visit Your Bank Branch: This is the most definitive alternative. Walk into any branch of your bank nationwide, from Lagos to Kano. Go to the customer service desk with a valid original ID (National ID, Driver’s License, International Passport, or Voter’s Card) and your account details. A teller will verify your identity and provide your BVN. This method is best if you suspect fraud or need a physical confirmation for an official process.
Contact Customer Care: Call your bank’s official customer service line (e.g., 0700 482 664 658 for GTBank). After passing security verification, which typically involves providing your full name, date of birth, and account number, the agent can disclose your BVN. Use this method if you are outside your bank’s state or have mobility issues. Always call the number on the bank’s official website or your ATM card to avoid scams.
Common Problems and Solutions
While checking your BVN is usually smooth, you might encounter these common hitches. Here are practical solutions based on typical Nigerian banking experiences.
Problem: “Transaction Failed” or No Response from USSD Code
This is often due to network congestion, especially on Glo or 9mobile during busy periods, or insufficient airtime. First, ensure you have at least ₦20 credit. If you do, wait 5-10 minutes and try the code again. If it persists, switch to your bank’s specific USSD code or use their mobile app, which relies on internet data instead of the sometimes-unreliable USSD gateway.
Problem: “Number Not Linked” or BVN Not Found
This means the phone number you are using is not the one officially registered with your BVN in the NIBSS database. This often happens if you changed your number but didn’t update it at your bank. The solution is to use an alternative method that doesn’t rely on that number: visit your bank branch with a valid ID to retrieve your BVN and immediately update your phone number records.
Problem: Mobile App or Internet Banking Portal is Down
Bank servers, like the popular AccessMore or FirstMobile apps, can experience downtime during system updates or on month-ends when traffic is high. Don’t panic. The USSD code (*565*0#) runs on a different system and often works when apps are down. If all digital channels fail, the customer care line is your best bet for immediate assistance while you wait for the portal to come back up.
Problem: Delayed SMS with BVN or Error Message
You might get a “Request Processing” message that never arrives. This is typically a network delay. Do not dial the code repeatedly, as this may trigger multiple charges. Wait for at least one hour. If the SMS doesn’t arrive, the request may have timed out. Use a different method entirely, like the mobile app, to avoid the same glitch.
Fees, Costs and Timeline
Understanding the correct costs prevents you from being overcharged by unscrupulous agents or cyber café operators who may exploit the process.
Official Costs: Checking your BVN is free of charge from your bank. The only legitimate cost is the standard network fee of ₦20 for the USSD transaction (*565*0#), deducted from your phone credit. Using your bank’s mobile app or internet banking incurs no direct fee, only your data cost.
Unofficial Fees to Avoid: Do not pay anyone for “BVN retrieval services.” Some business centres in Lagos, Abuja, or other states may charge between ₦500 to ₦2,000 to “help” you. This is a scam. You can do it yourself for free. Your bank will never ask for a fee to disclose your BVN at a branch.
Timeline: Retrieval is instant via USSD or app. A branch visit typically takes 15-30 minutes, depending on the queue. Updating your linked phone number after retrieval takes 24-48 hours to fully propagate across the system.
Warnings and Scams to Avoid
Protecting your BVN is critical, as it is a key to your financial identity. Be vigilant against these common Nigerian scams designed to steal your details and money.
- Fake USSD Codes & SMS: Never dial a code sent to you via SMS or WhatsApp claiming to be for “BVN Verification” or “BVN Renewal,” such as *565*1# or *966*0#. Only use the official *565*0# or your bank’s published code. Scammers create similar codes to harvest your data.
- Phishing Websites & Calls: Avoid clicking links in emails or messages that lead to fake bank portals asking you to “confirm” your BVN and password. No legitimate bank will ask for your full BVN and PIN together. Always type your bank’s website address directly into your browser.
- Unauthorized Agents: Do not give your phone or personal details to a business centre or agent to help you check your BVN. They can easily save the number and use it for fraud. Always perform the check yourself on your personal device.
- “BVN Linking” or “Upgrade” Scams: Ignore calls or messages claiming your BVN is “blocked” and needs to be “linked” to a new NIN or “upgraded” for a fee. This is a pure scam. Your BVN does not expire and cannot be blocked without official communication from your bank.
Acceptance, Use and Next Steps
Your BVN is a universally accepted identity number within Nigeria’s financial system. Once retrieved, you can use it for a wide range of official and financial processes across the country.
Where Your BVN is Accepted: It is mandatory for all banking transactions, including opening new accounts with any bank in Nigeria, applying for loans from institutions like Lapo Microfinance Bank, and verifying your identity for high-value transfers. It is also required for government-related processes such as registering for the National Identity Number (NIN), applying for international passports, and participating in federal schemes like the Anchor Borrowers’ Programme.
Your Next Steps: First, securely store your retrieved BVN. Memorize it or keep it in a safe place, not written on your phone or wallet. Second, if you used an old phone number, visit your bank branch to update your contact details immediately to ensure seamless future access. Finally, understand its limitation: your BVN is not a payment instrument. It cannot be used to authorize transactions on its own; it is purely for identification and verification purposes to secure your accounts.
Frequently Asked Questions
Can I check my BVN without the registered phone number?
No, you cannot use the USSD code without the specific registered number. However, you can still retrieve your BVN by visiting your bank branch with a valid photo ID, using your bank’s mobile app on a smartphone (if already logged in), or by calling the bank’s official customer care and passing their security verification.
Is there a difference between BVN and NIN?
Yes. Your Bank Verification Number (BVN) is for financial transactions across all Nigerian banks. Your National Identification Number (NIN) is a general identity number for all citizens issued by NIMC. They are separate but often linked for KYC purposes. You need both for different official processes.
What if my BVN is linked to an old number I no longer use?
You must update your records at your bank branch. Take a valid ID and proof of your new number (the SIM registration slip or the SIM pack) to the customer service desk. They will process the change, which typically takes 24-48 hours to fully update across the banking system.
Can someone steal money with just my BVN?
No. Your BVN is an identification number, not a transaction authorization tool. A fraudster cannot withdraw funds or make payments with your BVN alone. However, they can use it to gather more of your personal information for social engineering scams, so you must still keep it confidential.
How do I check my BVN for a child or minor?
Minors can have a BVN. As the parent or guardian, you would need to visit the bank branch where the child’s account was opened. Bring the child’s birth certificate, your own valid ID, and proof of your relationship. The bank officer will retrieve the BVN for you, as USSD codes are not typically set up for minor accounts.
I dialed *565*0# but got “Service not available.” What should I do?
This usually indicates a temporary network or server issue. First, ensure you have airtime. Wait 30 minutes and try again. If it persists, switch to your bank’s specific USSD code (e.g., *901*11# for UBA) or use their mobile app. The problem is usually with the carrier, not your BVN record.
Do I need to renew or upgrade my BVN?
No. Your BVN is for life and does not expire. Any message, call, or agent claiming you need to “renew,” “upgrade,” or “re-link” your BVN for a fee is running a scam. Ignore it. Your bank will only contact you officially for mandatory updates like linking with your NIN.
Disclaimer
This guide is for informational purposes to educate Nigerian readers on standard procedures. While we strive for accuracy, banking processes and USSD codes may be updated by individual financial institutions or the Central Bank of Nigeria (CBN). Always confirm specific steps with your bank’s official channels. We are not affiliated with NIBSS, CBN, or any commercial bank. For definitive rulings on BVN policy, consult the official CBN website or visit your bank branch directly.